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It is simple.
Hypothetically speaking, if the money were only usable through superchatting and not otherwise accessible, I would make my own channel and just superchat it to myself. Except, I would then invest these superchat funds into purchasing from Tanzania a horde of monkeys of malleable intelligence, and consequently train them to become my own personal squadron of underpaid interns who would spend all waking hours trawling /vt/, /jp/, and kiwifarms to analyse user posts and produce for me the formula necessary to create the most attractive and Gosling-worthy VTuber model possible. I would then invest in a voice changer to mask my identity, and spend my days streaming as an anime girl whilst simultaneously donating to myself, constantly, and becoming richer than Jeff Bezos over the span of a month. There would be Forbes articles, interviews, mass-media reporting on how this VTuber managed to get so rich. I would be a trillionaire, and nobody would know that I did it through donating to myself over and over and over through Youtube superchats.
I would then be arrested and charged for animal neglect and spend ten years in prison for what I did to the poor monkeys, causing a worldwide frenzy of searching and rratposting on the sudden disappearance of the world’s richest VTuber. I also wouldn’t be able to spend any of my money, so the whole operation would have been pointless anyways.